My name is Justin Wager. I am not a Mortgage Man. I am THE Mortgage Man, and San Antonio has voted me the best three years running to prove it. ๐
I am a 3x Best Mortgage Broker in San Antonio, MySA Readers’ Choice 2024, 2025, and 2026. A 3x WalletHub Award Winner for Best Mortgage Broker in San Antonio. A+ Rated by the San Antonio Chamber of Commerce for three consecutive years. Nextdoor Neighborhood Favorite 2024. 148 IQ Verified Top 0.1% Cognitive Processing and the proud owner of 169 Google Five-Star Reviews, the most of any independent mortgage broker in San Antonio. The national press confirmed it. The results prove it every single day.
The Man Behind The Mortgage
I have called San Antonio home since the year 2000. More of my life has been lived in this city than anywhere else on earth, and I am proud of every single year of it. I was born and raised in Michigan, a multi-sport athlete who competed hard and learned early that discipline, preparation, and relentless effort separate winners from everyone else. That mentality moved with me from Michigan to Texas and has never left. I am 6’3″ and 250 lbs. I train daily, hit the weights hard, and stay jacked and muscular because looking good, feeling good, and performing at the highest level in every single area of life is non-negotiable for me. The same intensity I bring to the gym is the same intensity I bring to your loan file. Every time.
I am a proud Michigan Wolverine fan through and through. GO BLUE! ใฝ๏ธ I bleed Detroit sports. Lions. Pistons. And having called San Antonio home for over 25 years, I proudly rep the Spurs as well. That competitor in me never turned off. It just found a new arena.
The Discount Tire Dynasty
Before I was The Mortgage Man, I built an empire inside one of the most competitive retail environments in America. I joined Discount Tire and climbed from the ground up, eventually becoming the General Manager of TXS-15 in Helotes, Texas, where I ran the most profitable and busiest locations in the entire company for 12 straight years.
This was not a small operation. We averaged well over one million dollars in sales every single month. Our best month ever, my team and I hit $1,550,000 in a single month. That record still stands in Texas today and ranks third in the entire history of Discount Tire, a billion-dollar company often compared to Apple or Google of the tire industry. We were in the top 1% in the company every month, every year, without exception. Winning was an expectation. A culture.
But numbers only tell part of the story. What I am most proud of is the team I built. I grew, trained, and cultivated a crew of over 60 elite employees. Not order-takers. Not clock-watchers. Wolves. A team of killers who were obsessed with winning, obsessed with taking care of every single client at the highest level, and obsessed with being the best of the best year after year. I built the culture from scratch. I instilled the values, the standards, and the identity. We did not just run a tire store. We ran a championship program. We worked hard and played harder.
After 25 years and 6 months of service, from Michigan to San Antonio, I walked away at 40 years old on my own terms. Retired. Accomplished. And completely restless. Because wolves get bored. Champions do not sit still. The man who spent 25 years dominating every room he walked into was not built to fade quietly into retirement. The arena changes. The hunger does not.
The New Arena
In February 2023, I stepped into mortgage lending and immediately went to work. Within the first year, I had already been named Best Mortgage Broker in San Antonio. By the second year, I defended the title. By 2026, I had made it a Three-Peat that no independent broker in this city had ever achieved. The culture I built at Discount Tire, the obsession with client care, the refusal to accept anything less than excellence, the relentless drive to be number one, all of it transferred directly into this business, and it shows in every review, every closed deal, and every award.
Empowered by NEXA Mortgage LLC, I have access to 300+ lenders and 150+ unique loan products. From the simplest first-time buyer loan to the most complex investor deal that every other loan officer turned away, I do it all. No games. No gimmicks. Just results.
FHA Loans | Conventional Loans | VA Loans | USDA Loans | Jumbo Loans | ARM Loans | Reverse Mortgages | DSCR Investment Loans | Non-QM Loans | Hard Money Loans | Bank Statement Loans | Asset Based Loans | Bridge Loans | Fix and Flip Loans | Construction Loans | New Construction Loans | HELOC | HELOAN | Cash Out Refinance | Rate and Term Refinance | Streamline Refinance | Down Payment Assistance Programs | First Time Homebuyer Programs | Business Loans | Business Lines of Credit | Personal Loans | Credit Cards | SBA Loans | Commercial Loans | โกFastest HELOC in Texasโก
From vanilla to crazy, I do it, or I figure it out. If I can’t do it, nobody can.
What Separates Me From Every Other Loan Officer and Mortgage Broker
It is not just access to products. It is who I am. You call. I answer. You text. I reply. You email. I respond. Not during business hours. Not when it is convenient. Anytime. I am available around the clock because your biggest financial decision deserves someone who is fully present and fully committed. My communication, work ethic, and drive to deliver the results you need will blow you away. Ask anyone who knows me. Read the 169 five-star reviews. Or just call me and feel the difference yourself.
I specialize in sales and negotiation at a level most loan officers and mortgage brokers never reach. I have studied it, lived it, and mastered it over years of high-stakes, high-pressure performance. When I go to work on your behalf, I am not filling out forms and waiting. I am negotiating, strategizing, and finding the angle that gets your deal DONE. I will get you the best rate and terms available and save you more money than any other loan officer or mortgage broker. Period.
The Three I’s
INTEGRITY. I do what is right every time. Not what is easy, and not what makes me the most money. If a loan does not make financial sense for you, I will tell you straight up.
INTENSITY. I have your back, and I am relentless. Period. I have more grit, determination, perseverance, and persistence than any other loan officer or mortgage broker you will ever work with, and that is not a boast. That is a promise backed by three consecutive titles, 169 five-star reviews, and a track record of never backing down. When your file gets complicated, I do not panic. I do not make excuses. I get focused. I get creative. I get to work. I do not fold under pressure. I was built for pressure.
I work for YOU. Not the bank. Not your real estate agent. Not the title company. Not anyone else in the transaction. My one and only job is to get you the best deal possible, period. I cut through the red tape, I eliminate the confusion, and I present everything to you straight, clear, and in terms you actually understand. Like a friend would. Like a brother would. No smoke and mirrors. No fine print surprises. Just real talk, real numbers, and real results from someone who genuinely has your best interest at heart every single step of the way. ๐ช
INTELLIGENCE. I look at the whole picture. Your goals. Your family. Your financial future. I take your personal feelings, needs, and long-term plans into account on every single file. I will never put you in a loan that does not serve you.
I am a winner. I dominate. I never lose. I only learn. I will not just be your mortgage broker. I will be your trusted business partner, your financial advisor, and a real friend who tells you the truth, fights for your deal, and celebrates with you when you get those keys. ๐
NEXA Mortgage LLC is licensed in every single state, including Puerto Rico, meaning no matter where you are in this country, we can serve you. I personally hold my Texas license and serve all of Texas at the highest level. Through NEXA’s elite network of loan officers across the country, I can refer and coordinate your loan from coast to coast and everywhere in between. On top of that, I can personally originate Commercial Loans, Business Purpose Loans, DSCR Investment Loans, Personal Loans, and Business Loans in most states outside of Texas, even where I am not personally licensed. The reach is national. The service is personal. The standard is always the same. Elite.
Thank you for your trust and your consideration. I will treat you like family and serve you to the absolute best of my ability. Let’s dominate life and business together. ๐ก๐
Justin Wager The Mortgage Man
Thank You & Best Regards,
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Justin Wager The Mortgage Man
Mortgage Loan Officer / Broker
5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212
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Justin Wager
The Mortgage Man
